The Third Nail…..An Easy Way to Save on Your Homeowners Premiums

Example…..1982 Home in South Ft. Myers. Frame construction, new roof, metal clips with 2 nails.                                                                                                           Value at $ 378,000. Annual Homeowner Premium is $4,450.

Same Home after retrofit adding Third Nail to top and bottom of metal clips…Cost of $900.                                                                                                                 Value at $ 378,000. Annual Homeowner Premium is $ 2,777.

Annual Premium Savings of  $1,673. Each and every year. That is a No Brainer.  (Note: Every Home is different)

How can I determine if my Home will benefit from a Hurricane Strap Retrofit adding the Third Nail?

  1. If your home was constructed prior to the year 2000, you are a candidate.
  2. Review of your present Wind Mitigation Report.
  3. If your report is dated prior to 2012, your insurance company will probably require a new report on the new Revised 2012 OIR-B1-1802 form. If you need a new inspection, call your inspector or call SWFL Insurance Agency at 239-265-9577.
  4. On the new 2012 inspection form, review Item 4, Roof to Wall Attachment.  If “Toe Nails” is checked, you can definitely benefit from a Hurricane Strap Retrofit adding the Third Nail.
  5. Once you have your Wind Mitigation Report on the Rev.2012 form, call SWFL Insurance Agency at 239-265-9577 for a Premium Quote Comparison for adding the Third Nail.
  6. Once you have the New Premium Quotes, you can determine the savings and decide if it makes economic sense to have the Hurricane Strap Retrofit completed. If you want to proceed, we will put you in touch with licensed contractors who can complete the retrofit. Typical cost for Retrofit is $900 to $1,000.

Questions?   Call us at 239-265-9577 or Email at

Thanks much.

Josh Weaver

Vice President

SWFL Insurance Agency, Inc.




The Third Nail – The reason your Homeowners Premiums increased without warning!

third nail

The Lack of a Third Nail could cause your Homeowners Premiums to increase without warning! 

Due to changes in the 2012 Florida Wind Mitigation form  (OIR-B1-1802. Rev. 01/12), Homeowners insurance windstorm premium credits for homes having clips or straps with less than Three Nails for the roof truss to wall connection is not allowed. The previous Wind Mit form allowed credits for metal connectors with nails.

For Homes constructed before 2002, you should contact us for a review of your Wind Mit form and Homeowners Policy. We will determine if you are receiving the proper credits and provide you with our best premium proposal.  We have construction, wind mitigation and home inspection experience and are able to provide up to date information.

If we determine that you can benefit from adding the “Third Nail”,

  • We will determine your estimated Homeowners premiums savings.
  • We will recommend a couple of licensed contractors to contact who can complete the required work.
  • Typically the cost of adding the Third Nail for a 2500 SF home is about $ 800., one time. The typical windstorm premium savings is $ 600. to $ 1,000. every year going forward for this home.
  • Typically, a new Wind Mit form is completed and included with the contractor’s work.

Homes built prior to 1960 typically do not have metal straps or clips. Many times these homes can be retro fitted to install the metal connectors and nails required by the building code.  Call us about a free evaluation.

Call SWFL Insurance Agency today 239-265-9577.  We will help you save money!!

Email us at 


Homeowners Insurance 101

Homeowners insurance is designed to bring your home and possessions back to the same condition they were in before a loss occurred. There are several different types of homeowners policies offered by a wide variety of insurance companies and not all coverages are the same. You should speak directly with an  agent at SWFL Insurance Agency about your specific coverage needs.

The most common Policy Form written in Florida is the HO3. The information below applies to the HO3. While reading through the information below, you should keep in mind a couple definitions: (a) Exclusions are situations where your policy does not provide coverage; and (b) Liability is something for which you are legally responsible.

Coverage A – Dwelling

Imagine your house on moving day…empty, waiting to be filled. This is the part referred to as Coverage A: your physical home (walls, fireplaces, tile floors, carpeting, etc.) and the structures attached to it, such as an attached garage.

The current real estate market does not effect the insurance value of your home.  Your home should be insured for the Replacement Cost or amount that it would cost to rebuild in full (to current building code) in the event of a total loss.  If you aren’t sure your home is adequately insured, you can check with your Independent Agent at SWFL Insurance Agency.

Coverage B – Other structures

Not all structures that exist on your property are actually attached to your house. Therefore, Coverage B offers insurance protection if you have other structures such as a pool, detached garage, gazebo, or storage shed.

Coverage C – Personal property

Your personal possessions such as furniture, clothing and appliances are covered. Certain types of possessions are excluded or have limited coverage. Please see personal property exclusions and limits of coverage for more specific information.

Coverage D – Loss of use

This coverage is also called Additional Living Expense. Essentially, this pays for your increase in housing and other living expenses (like meals and laundry) if a major loss makes your house uninhabitable and you have to move out temporarily while it’s being repaired.

Covered perils

Coverage A & B are insured against risk of direct loss or all risk subject to conditions and exclusions. Sinkhole is excluded.

Coverage C are insured for the specific perils listed below subject to conditions and exclusions.

  • fire or lightning
  • windstorm or hail
  • explosion
  • aircraft
  • vehicles
  • riot or civil commotion
  • smoke
  • theft
  • vandalism/malicious mischief
  • glass breakage

Some policies also provide coverage for:

  • falling objects
  • weight of ice, snow or sleet
  • freezing of plumbing
  • accidental plumbing discharge
  • rupture of steam or hot water heating system, air conditioning systems, or water heaters
  • damage from artificially generated electricity.
  • volcanic eruption
  • catastrophic ground cover collapse (not sinkhole)


A homeowners policy does not provide coverage for the following perils

  • loss due to flood, or water that backs up through sewers
  • loss to building by earthquake, aftershocks and mud slides
  • loss by enforcement law or ordinance regulating construction, repair or demolition, or zoning
  • loss due to power interruption when the interruption takes place off the residence property
  • loss due to neglect of the insured to save and preserve property following a loss
  • war and nuclear perils
  • intentional loss.
  • sinkhole

Limits of liability

  • For basic homeowners policies, a specific minimum amount of coverage is required for each of the major property coverages, based on the primary amount of insurance selected. Some of these excluded coverages may be purchased for an additional premium.
  • Coverage A (Dwelling) = Typically set by Insurance Carrier at 100% of Replacement Cost
  • Coverage B (Other Structures) = 10% of Coverage A limit
  • Coverage C (Personal Property) = 50% of Coverage A limit
  • Coverage D (Loss of use) = 20% of Coverage A limit.

For example, if your home is insured for $100,000 under Coverage A:

  • Coverage B liability limit is $10,000
  • Coverage C is $50,000
  • Coverage D is $20,000.


With a homeowners policy, a deductible applies to the property portion of the policy. A deductible is the amount you would have to pay out of your own pocket before the insurance coverage kicks in. Typical deductibles are $500 or higher and some policies have several deductibles.

Florida homeowners policies also have a Calendar-Year Hurricane Deductible. The hurricane deductible will only apply once per calendar year and is stated as a “percentage” of Coverage A. This means if you have one hurricane loss, your Calendar-Year Hurricane Deductible will be applied. However, if you have losses from subsequent hurricanes during the same calendar year, the deductible for the additional hurricane losses will be the greater of:

  • The remaining amount of the “Hurricane Deductible” (if not exhausted by the original loss), or
  • The “All Other Perils Insured Against” Deductible.

Typically the higher the deductible you select, the lower your premium payment is

Optional coverages

There are a number of optional coverages (also called endorsements) which enhance your basic homeowners policy either by adding or removing certain coverages. Some of the more common add-on coverages include:

  • Broadened coverage for contents: provides “all-risk” protection for your possessions. This means that your personal property is covered in most situations, regardless of the cause of loss.
  • Personal Articles Floater: provides specific amounts and worldwide protection for special property such as jewelry, silverware, fine art, furs, cameras, firearms, musical instruments, and home computers for an extended variety of losses
  • Sinkhole:  Provides coverage for loss caused by a “sinkhole” as defined by Florida law.
  • Personal property exclusions and limits of coverage
  • Water back up of sewers or drains: you’re covered for a specific dollar amount if water backs up through a sewer or drain, or overflows from a sump pump.
  • Contents replacement cost coverage: after a loss, you would be paid based on the cost to buy new…with no deduction for depreciation…subject to your policy limits and deductible. Special limits apply to certain items such as jewelry, watches and furs.

Personal Property exclusions and limits of coverage

Certain classes of property are specifically excluded from coverage because of the nature of what they are or because they are generally covered by other types of policies:

  • Animals, birds or fish
  • motorized vehicles or aircraft, including equipment and accessories
  • radios, CB radios, tape decks, etc., while in or on a motor vehicle
  • articles separately described and specifically insured in any other insurance
  • property of boarders ( renters insurance is available and should be considered by boarders).
  •  aircraft or aircraft parts
  •    property in an apartment held for rental by the insured
  •    property rented to others off the residential premises.

Certain classes of property have specialized limits of coverage:

  • money or related property, coins and precious metals other than tableware – $ 200.
  • securities, manuscripts, and other valuable property – $ 1,000.
  • water craft, including trailers and equipment – $ 1,000.
  • trailers – $ 1,000.
  • jewelry, watches, furs and semi-precious stones – $ 1,000.
  • firearms – $ 2,000.
  • silverware, goldware or pewterware – $ 2,500.
  • property on the residence premises used for business purposes – $ 2500.
  • property away from residence premises used for business purposes. – $ 250.

Personal liability (Coverage E)

NOTE: Most Homeowner Insurance Companies provide only minimal animal liability or totally exclude this coverage. Discuss this in        detail with your agent.

Provides coverage for bodily injury or property damage for which you are legally responsible. For example, let’s say your dog bites someone, a guest falls down your front stairs, or your son throws a ball through your neighbor’s window. You are legally responsible for the damaged caused by these actions.  Personal Liability helps to cover the associated costs of these related damages.

Most homeowner policies provide a minimum of $100,000 of liability protection. However, you can opt to increase this amount to $300,000 or $ 500,000. Also  Umbrella Insurance 101 can help you determine whether the liability limits available on your homeowners policy are sufficient for your needs. Of course, an independent agent at SWFL Insurance Agency, Inc. is your greatest resource for this evaluation.

Medical payments (Coverage F)

Pays all reasonable and necessary medical expenses for a period of three years from the date of an accident to a person or persons injured while on your property. This coverage does not apply to the insured or regular residents of the insured’s household.

Bodily injury

Accidents do happen…and sometimes they happen to other people while at your home, or by a member of your household. This coverage helps to pay for the expenses created in the event that a physical injury to others is caused by you, residents of your household, or your pets.  Injuries resulting from automobile accidents are not covered under a homeowners policy.

Property damage

If someone’s property is accidentally damaged by you, members of your household, or your pets, your homeowners policy will help to repair or replace it.

Liability coverage exclusions

A homeowners policy does not provide coverage for:

  • bodily injury or property damage resulting from an automobile accident
  • bodily injury or property damage which is expected or intended by the insured
  • bodily injury or property damage arising out of business pursuits
  • bodily injury or property damage arising out of rental of any part of the premises
  • liability arising out of ownership, maintenance, use, loading or unloading of aircraft, motor vehicles or water craft
  • liability arising out of war or insurrection.
  • Additional exclusions to Coverage E only:
  • liability assumed under contract or agreement
  • property damage to property owned by, used by or in the care of the insured
  • bodily injury which is covered under a Workers Compensation policy.

Call 239-265-9577 for a Premium Quote or Request a Quote at

SWFL Insurance Agency offers Homeowners Insurance thru the top rated Insurance Companies in Florida.

SWFL Insurance Agency. August Newsletter

         INSURANCE NEWSLETTER                                                                            August 18, 2015

Timely and Important Topics that can Save Money and Protect Your Wealth

  • Attention Condo Owners on Fort Myers Beach and Sanibel….We now offer Condo Owners Insurance Policies that include Wind and Flood coverage. These policies provide coverage for “weekly rentals”. Call 239-265-9577 for a comparison premium quote.
  • We offer very competitive Auto Insurance Premium rates for “Seniors” through the Travelers Insurance Company. Call us at 239-265-9577 or request a quote at
  • It is Hurricane season again….Make sure your Homeowners, Condo Owners and Flood Policies are up date and that the insured values are accurate. Do not assume that everything is fine, have your policies reviewed today. Make sure your “Replacement Cost” has been evaluated. We offer free reviews and premium quotations with no obligation.
  • Dairyland Motorcycle Insurance can Save you Money   !!!!! By Combining Multiple Discounts, Dairyland may be the Best Deal in Florida. Save up to 7% with Dairyland, when your Homeowners policy is provided by SWFL Insurance Agency.   Rider Group Discounts for Members of HOG, and some 30 additional groups.  Special Discounts for Military Rider Groups, both active and retired.
  • Flood Facts…To be considered a flood, the water that causes damage must have covered at least two acres or have affected at least one other property. Also, if your home sustains any mold or mildew damage that you could have prevented from occurring, your policy won’t cover such damage. Additional living expenses and business interruption is not covered.  Call if you have questions.
  • If you have had a Wind Mitigation Inspection of your home, you may be able to create serious premium savings for years to come by having your roof truss to wall metal connection updated by adding nails. Give us a call to discuss. Every home is different. We will need to review your wind mitigation report, so have it handy when you call. Some of our clients have saved as much as $900.+ per year.
  • Watch for future Newsletters with new topics of interest. Don’t miss our timely articles on our Blog at

Call 239-265-9577 for Quick Quotes or visit 

Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

                                      Health, Medicare and Life Insurance  

                 SWFL Insurance Agency, Inc.               SWFL Insurance Associates, Inc.

     Lee County                        8595 College Pkwy, Suite 160, Fort Myers         239-265-9577

     Charlotte County            3718 Tamiami Trail, Unit C, Port Charlotte     941-624-3444

     Collier County                  2500 Tamiami Trail N. Unit 113, Naples            239-649-4442

SWFL Insurance Agency. July Newsletter


Timely and Important Topics that can Save Money and Protect Your Wealth

Most Homeowners policies today have very limited or no “Animal Liability” coverage. Most policies have a “Bad Dog” List. Do not go without the proper coverage. We have stand alone Animal Liability coverage available.

Remember Insurance is all about protecting your Wealth. If you own a Home, you should have an Umbrella Liability Policy with limits that protect your Wealth. Should a court find you “Liable” in a Bodily Injury case involving your property, automobiles or actions. Will your present coverage limits be enough to avoid having to cash in your property, stocks, retirement funds and possibly your home? Umbrella Liability Policies start as low as $ 250. Annually. Call us for a “Risk” review today.

It is Hurricane season again….Make sure your Homeowners, Condo Owners and Flood Policies are up to date and that the insured values are accurate. Do not assume that everything is fine, have your policies reviewed today. Make sure the “Replacement Cost” of your Home has been evaluated. We offer free reviews and premium quotations with no obligation.  Condo Owners should review your “Additions and Alterations” limits.  Typically, you should consider everything inside the unpainted “perimeter” walls of your unit as yours.  The “Basic Limit” of $1,000. will never be enough.  Do not be caught underinsured.

If your home’s elevation is at or below the required Flood Elevation, your Flood Insurance premiums are probably way out of hand. If so, you should talk with us about Private Flood Insurance. We can probably save you money.

A Wind Mitigation Inspection of your home can provide you with exceptional premium credit savings. Give us a few minutes to discuss your home and we can evaluate where you can increase you premium savings.

Watch for future Newsletters with new topics of interest. Don’t miss our timely articles on our Blog at

Call 239-265-9577 for Quick Quotes or visit

Providing Auto, Motorcycle, Golf Cart, Home, Condo, Flood, Business Insurance

as well as Health, Medicare and Life Insurance


SWFL Insurance Agency, Inc.         SWFL Insurance Associates, Inc.

Lee County                     8595 College Pkwy, Suite 160, Fort Myers     239-265-9577

Charlotte County        3718 Tamiami Trail, Unit C, Port Charlotte   941-624-3444

Collier County              2500 Tamiami Trail N. Unit 113, Naples         239-649-4442

A Windstorm Mitigation Inspection of your Home will almost always Save You Money


Here’s why – Following an intensely active tropical storm season and resulting all-out battery on the US, a handful of insurance companies not-surprisingly went bankrupt over mounting claim costs. Officials in states like Florida and Louisiana, hard hit by strong storms like 2004’s Charley and Ivan and 2005’s Katrina and Rita, saw an exodus of insurance companies and homeowners left high and not-so dry. They knew they needed to do something to help property owners and insurance companies alike and do it FAST.

The solution: Incentivize wind mitigation inspections as a means of safeguarding properties in targeted areas, in the hopes that insurance companies would increase their odds of insuring more secure, less damage-susceptible properties.

In 2006, Florida became the first state in the nation to mandate that insurance companies offer some reduction insurance costs if a wind mitigation inspection is sought and certified upon review by a qualified inspector (usually a state certified contractor, architect or engineer) with other coastal states including Louisiana, following suit.

So….How much can I save and what does a wind mitigation inspection cost.

Savings depends on the features of your property. An inspector will evaluate the wind-mitigating characteristics of your home or business. Post-inspection, that inspector will make recommendations for any improvements or repairs that you could make to enhance its sustainability against windstorm damage. He then submits a state-standard inspection report to you for your use. The report is viewed as a benchmark of your home’s ability to withstand storm damage, and your agent can provide you with details of your discount.

Fees for a Wind Mitigation Report can be as low as $75.

Features of your home that will be inspected:

  1. Roof Covering: inspectors want to know when the roof was installed and does if it meets building codes. In Florida, the code standard was updated in 2001.
  2. Roof Deck Attachment: inspectors will determine what type of roof decking is used and how it’s attached to the underlying structure, like if it’s nailed or stapled down. If nails are used, nail length and spacing between each will also be noted.
  3. Roof to Wall Attachment: the roof attachments become the focus here: are trusses attached with nails or hurricane clips? Are the metal wraps single or double? The more secure your roof, the better impact on your wallet!
  4. Roof Geometry: is your roof hip or not? Nope, the inspector won’t care how cool it is, just how it’s shaped – a hip roof resembles that of a pyramid, and is a definite qualifier for a discount.
  5. Gable End Bracing: if the roof is a gable style, an inspector will review if the gable ends are braced to Florida Building Code standards. Gable ends measuring more than 48 inches tall should be braced for reinforcement, and inspectors will be checking for this qualification for discount.
  6. Wall Construction Type: Inspectors will review the construction materials used on your home for framing, reinforcement, and outer fascia, and at what percentages. Steel reinforced concrete block homes may yield a better discount than one with a wood frame /plywood walls and plastic siding.
  7. Secondary Water Barrier: This is a newer item for roofs. If your roof was installed or upgraded before 2008, it’s fairly unlikely you’ll have this sort of barrier. As with most newer features, photo documentation, at a minimum, will be required for a discount in this area. Discuss this feature with your roofer when replacing a roof.
  8. Opening Protection: Here, inspectors are looking for shutters and installed-protection devices from wind-born debris for doors and windows. They will also be checking the rating of the devices, if you have them (as in- are they hurricane-rated?). 100% of all openings need to be covered with Hurricane rated protection to qualify for this discount.

In the end, investing in a wind mitigation inspection is at your own discretion. The potential cost-savings per year could easily outweigh the cost. If you live in a coastal region, avoiding a wind mitigation inspection is at your own peril.

For homes constructed in 2000 or earlier, some of the largest premium savings can be realized by having the Third nail added to your roof to wall attachment.  See more at The Third Nail.

Call us at 239-275-9577 to find out how much your savings will be.